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AI English summary of an SEC filing — figures as filed

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JPMorgan Chase said Q3 net income was $14.4B, diluted EPS was $5.07, managed revenue was $47.1B and expense was $24.3B. It said net income rose 12% from the prior year.

8-KRegulation FD DisclosureFiled Period of report Summary published (UTC)

Key points

AI summary
  1. JPMorgan Chase said Q3 net income was $14.4B, diluted EPS was $5.07, managed revenue was $47.1B and expense was $24.3B. It said net income rose 12% from the prior year.

  2. The company said the Standardized CET1 ratio as of the end of Q3 was 14.8% (Q2 15.1%) and CET1 capital was $287B. It said the company executed a common dividend of $4.1B and common stock net repurchases of $8.0B during the quarter.

  3. JPMorgan Chase said credit costs for Q3 were $3.4B, of which net charge-offs were $2.6B and net reserve build was $810mm. It said the net reserve build included $608mm in Consumer and $205mm in Wholesale.

  4. The company provided market-dependent guidance for Q4 net interest income excluding Markets of approximately $23.5B, net interest income of approximately $25B and adjusted expense of approximately $24.5B. Year-to-date through Q3 were $68.7B, $70.8B and $71.4B, respectively.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Q3 2025 Net Income $14.4B, EPS $5.07

JPMorgan Chase said Q3 net income was $14.4B, diluted EPS was $5.07, managed revenue was $47.1B and expense was $24.3B. It said net income rose 12% from the prior year.

Source · Based on the filing body and exhibits

CET1 Ratio and Capital Return

The company said the Standardized CET1 ratio as of the end of Q3 was 14.8% (Q2 15.1%) and CET1 capital was $287B. It said the company executed a common dividend of $4.1B and common stock net repurchases of $8.0B during the quarter.

Source · Based on the filing body and exhibits

Credit Costs and Net Charge-Offs

JPMorgan Chase said credit costs for Q3 were $3.4B, of which net charge-offs were $2.6B and net reserve build was $810mm. It said the net reserve build included $608mm in Consumer and $205mm in Wholesale.

Source · Based on the filing body and exhibits

Q4 2025 and Full-Year Outlook

The company provided market-dependent guidance for Q4 net interest income excluding Markets of approximately $23.5B, net interest income of approximately $25B and adjusted expense of approximately $24.5B. Year-to-date through Q3 were $68.7B, $70.8B and $71.4B, respectively.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.